Thing is, I will need to go DSCR loans from here on out or just stop buying new real estate altogether.

Any recommendations on real estate investing course or classes? 

I’d dig into this a bit more.Another assumption that stood out to me as potentially problematic is the 6% income growth and only 3% expense growth.

Interest income is interest income, unless you decided to roll some of the current cash into a self directed IRA at which point your interest income would be deferred for a later time and allow your funds to grow tax free.

What kind of savings do you guys have in addition to the income savings each month? 

I had already been in real estate for 5 years and thought I had seen it all.  

The more experience earned, you gain insight into comparables, learn neighborhoods, get better and better in determining a real deal from a stinker.Sounds like you earned a little break now!

Real estate's "gross rent multiplier" is Wall Street's "sales to revenue",  "cap rate" is roughly "P/E ratio".When evaluating markets and investments I tend to start with GRM (or lazily the 1% rule), then attempt to return a cap rate based on assumptions about costs, then I work my way to multiple years of projections (assumptions about inflation, amortization, tax benefits, etc), and if I am partnering with one of my smart friends I have to pull up an IRR (internal rate of return).I also look at regional employment levels, median income to rent ratio in the zip code etc. 

Most people who want to start in wholesaling think that it's a great way to earn income to become an investor.

I am in the Tampa Florida area and we in dire need of more LTRs for incoming residents.